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Personal financial planning is often considered a complicated and unpleasant topic. It is ignored as long as possible, until the reality of its hold on our life becomes relevant. Unfortunately, by then it maybe a rough journey ahead. Written by an engineer who has experienced many facets of financial challenges throughout his life, sustainable concepts are presented for those who do not have extensive financial backgrounds. This book is intended for all those who work hard to earn a living. Those who are new to the workforce, those who have seen the continued ups and downs in the economy and retirement is on the future horizon, and as those who are at the conclusion of their career and are planning to retire will all benefit from the information presented. For your use on the website (https: //sites.google.com/view/financecoloredbooks/finance-series) are tools to complement the discussions in the book that are free to use.